High Deductible Plan F

If you’re willing to share some of the expenses of healthcare, Medicare Supplement High Deductible Plan F may be a great choice. High Deductible Plan F is popular because it provides wide-ranging benefits with an affordable monthly premium.

The cost-sharing feature of High Deductible Plan F makes it possible to secure comprehensive benefits with a lower monthly premium. In fact, High Deductible Plan F provides the same benefits as traditional Plan F. When you visit the doctor, receive hospital care or travel and need emergency medical attention, you can get it, no questions asked. Here is a more detailed look at Medicare Supplement Plan F (High Deductible).

High Deductible Plan F Benefits

High Deductible Plan F provides total protection. Your Medicare Part A deductible ($1,316) and coinsurance is paid in full. That means after day 60 in the hospital (when Medicare benefits decrease) you’re covered. High Deductible Plan F pays for all remaining costs for days 61-90 ($329 a day) and days 91 and beyond ($658). In addition, the plan provides coverage for 100 percent of all Medicare allowable expenses for an additional 365 days of hospital care during your lifetime after Medicare benefits end and 100 percent of the costs for the first three pints of blood.

When it’s time to see your doctor, High Deductible Plan F pays your Medicare Part B deductible in full as well as your coinsurance and any excess charges Medicare will not pay. If you require skilled nursing care, your copayment is covered ($161 a day for days 21-100), as is your Medicare copayment/coinsurance for hospice care. Plus, if you travel, High Deductible Plan F covers 80 percent of any emergency care you receive while visiting a foreign country (after a $250 deductible and up to $50,000 in your lifetime).

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Benefits Summary

  • Medicare Part A deductible and coinsurance for hospitalization services
  • 365 extra days of hospital care after Medicare coverage ends
  • Medicare Part B deductible and coinsurance for medical expenses and hospital outpatient services
  • The cost of the first three pints of blood each year
  • 100 percent of Medicare Part B excess charges
  • Skilled nursing facility coinsurance
  • Medicare copayment/coinsurance for Hospice care
  • 80 percent of Foreign travel emergency care (after $250 deductible, up to $50,000 lifetime)

What You Can Expect to Pay With Medicare Supplement High Deductible Plan F

The cost-sharing feature of High Deductible Plan F means that you receive the same comprehensive benefits provided by Plan F, after you pay an annual deductible. By sharing some of your health care costs, you can significantly reduce your monthly premium while still benefiting from total coverage provided by Plan F. In addition to an annual deductible, you can expect to pay for all hospitalization expenses after the additional 365 days provided, as well as any costs for skilled nursing care after 101 days. To benefit from foreign emergency care, you will pay a $250 annual deductible and 20 percent of all costs within the first $50,000.

Blue Cross and Blue Shield of Oklahoma will never terminate or refuse to renew your Medicare Supplement insurance policy regardless of your health.

Benefits Medicare
does not pay in 2017
Expenses covered by our plans
Plan A Plan F High Deductible
Plan F
Plan N*
Part A (Hospital Services)**
$1,316 Medicare
hospital deductible
$315 per day
copayment for
covered expenses for
days 61-90 in hospital
(totaling $9,450)
$658 per day
copayment for
covered expenses
while you use your
Lifetime Reserve
100% of Medicare
allowable expenses
for additional 365 days
after Medicare
hospital benefits stop
completely
Calendar year blood
deductible (charges
for first three pints of
blood)
$164.50 per day for
days 21-100 in a
skilled nursing facility
Hospice care
(Medicare Part A)
Part B (Physician’s Care and Medical Services)
$183 Part B deductible
Coinsurance for
medical expenses
(25% of Medicare
approved amount for
preventive services
and 20% for most
others)
Generally 20%
except up to $20
copayment for
office visit and
up to $50 ER
100% of Medicare Part
B excess charges
(above Medicare
approved amounts)
Coinsurance for
durable medical
equipment (20% of
Medicare approved
amounts)
Additional Expenses Not Covered by Medicare
Benefits for medically
necessary emergency
care received in a
foreign country

 

* Plan F also has an option called a high-deductible Plan F. This high-deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $2,2000 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,200. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.

** Hospital benefits must be provided by facilities participating with Medicare. Payments are limited to the reasonable charge as determined by Medicare.

*** After 90 days of hospitalization, Medicare benefits are paid from a one-time lifetime reserve of 60 additional days (days 91-150) which are not renewable each benefit period. See your Outline of Coverage for details and limitations of these benefits.

† After $183 Part B deductible is met for Plans A, F, High Deductible Plan F, and Plan N.

†† Foreign Travel Emergency covered at 80% after first $250 each is paid each calendar year; up to $50,000 lifetime maximum.